Mastercard International Incorporated

Ajay Bahadur Singh Panwar

Arunmurthy Gurunathan

Vijaykumar Vamanrao Borkar

Shweta Gupta

Sachin Kumar Agarwalla

Embodiments provide payment methods, server systems and devices for dynamically adapting a timeout period. The method includes receiving, by a server system associated with a payment network, a payment transaction request from a merchant interface. The payment transaction request includes a payment information and a payment card information of a user. After receiving the payment transaction request, a plurality of authentication options may be presented to the user for authenticating the payment transaction. The user may select an authentication option from the plurality of authentication options. A timeout period for authenticating a payment transaction is determined based on the authentication option selected by the user. The timeout period is determined using a set of predefined rules. Moreover, the timeout period may be dynamically adapted based on the authentication option and one or more of a plurality of timers, a plurality of usage analytics data and a user profile information.

Methods and systems for adapting timeout period for authentication in payment processing

Data processing systems and methods for authenticating users are disclosed. In one embodiment a data processing system for authenticating a user of a device comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: determine authentication capabilities of the device, the authentication capabilities of the device comprising one or more authentication methods; determine a set of authentication options using the authentication capabilities of the device; send an indication of the set of authentication options to the device; receive an indication of a user selected authentication method from the device; generate an authentication data request corresponding to the user selected authentication method; send the authentication data request to the device; receive an authentication response from the device; and authenticate the user using the authentication response.

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Maharashtra, India

Ajay Bahadur Singh Panwar